Dental implants - dental implants finance uk

Dental Implant Finance UK 2026: What Clinics Actually Offer

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UK Dental Guide
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Quick answer: most UK implant clinics that publish finance terms mention a 0% or interest-free option, often over 12 months or less, and some also offer longer loans with interest. Of the 317 clinics on our city price pages, 80 publish finance terms on the same pages, and 76 of those mention a 0% or interest-free option. Interest-bearing examples we found range from 7.9% APR to 12.9% APR.

What UK clinics publish about implant finance

These are the terms exactly as the clinics state them on their own pages. Each link opens the page we checked on 14 October 2026.

ClinicCityFinance terms as published
Cathedral Dental ClinicCardiff0% APR finance over 12 months, or 7.9% APR for up to 36 months
Hopkins & Poyner Dental PracticeYork0% interest-free finance over 12 to 18 months, or 24 to 60 months at 9.9% APR
The Bristol Dental PracticeBristolInterest free finance over 12 months; longer terms at 9.9% APR
Clark House DentalPlymouthFinance over up to 5 years, subject to credit availability (12.9% APR)
Yorkshire Dental Suite LeedsLeeds0% APR over 30 monthly repayments on the £2,800 price
Maida Smiles Dental ClinicLondon0% APR over 12 months (£208.33 a month on a £2,500 implant)
Damira Leicester Dental PracticeLeicester0% APR finance on plans above £350 over 6, 10 or 12 months
Dentistry on the GroveBournemouth0% finance from £500 up to £30,000 over up to 60 months
Holly Tree House Dental PracticeNottingham0% finance for treatments over £1,000 after a 20% deposit
Leicestershire Dental StudioLeicester0% APR on plans up to 12 months; minimum 10% deposit
Pall Mall Dental LondonLondon0% (interest free) finance on treatment over £1,000 through Chrysalis Finance
Willows Dental & Implant CentreWolverhampton0% APR finance on treatments over £500 through Medenta, subject to approval
The Dental CafeLiverpool0% interest-free finance via Tabeo over up to 12 months
Kamran Rasul – The Dental ClinicLiverpoolMonthly instalments through Tabeo over 10 to 60 months (subject to status)

Interest-free or interest-bearing?

Many clinics offer both, with the interest-free option limited to a shorter term. Cathedral Dental Clinic offers 0% APR over 12 months or 7.9% APR for up to 36 months. Hopkins & Poyner Dental Practice offers 12 to 18 months interest-free, or 24 to 60 months at 9.9% APR. The Bristol Dental Practice lists interest-free finance over 12 months and an example over 5 years at 9.9% APR.

Some clinics show the monthly figure for a 0% plan. Maida Smiles Dental Clinic shows £208.33 a month over 12 months at 0% APR for its £2,500 implant, and Yorkshire Dental Suite Leeds shows its £2,800 single implant at 0% APR over 30 monthly repayments. You can check figures like these, or a quote you have been given, with our monthly payment calculator.

Minimum spend, deposits and status checks

Finance usually comes with conditions. Examples from the clinics we checked:

Many offers are also conditional on the lender’s checks. Clarendon Dental Spa, for example, says its 0% offer is “subject to affordability, age and status”.

Who lends the money?

The clinic usually introduces you to a specialist lender. The lenders named on the pages we checked were: Tabeo (The Dental Wellness Centre, Kamran Rasul – The Dental Clinic, The Dental Cafe, 360 Dental Care, Zenith Dental Clinic Nottingham); Chrysalis (Allesley Park Dental Practice, Pall Mall Dental London); Medenta (Larkham House Dental Practice, Willows Dental & Implant Centre); V12 (The Independent Dental Practice).

Whoever the lender is, check it on the Financial Conduct Authority register. The FCA says “the FS Register is a public record of firms, individuals and other bodies that are, or have been, authorised by us or the PRA”, and that “in the UK, nearly all financial service activities must be authorised or registered by us” (FCA Financial Services Register).

Before you sign a finance agreement

  • Ask for the total amount repayable, not only the monthly figure.
  • Ask for the APR and the term in writing.
  • Ask what happens if you miss a payment or want to repay early.
  • Ask whether the finance covers the whole treatment plan or only part of it.
  • Make sure the treatment price itself is itemised (implant, abutment, crown, scans, bone graft).

If you are comparing prices first, our UK dental implant price guide summarises the published prices of all 317 clinics, and our dental insurance guide covers what policies pay towards implants.

Does the NHS pay for implants?

Rarely. The NHS website says implants are “usually only available privately and are expensive”, and that they are only rarely available on the NHS “for patients who cannot wear dentures for certain reasons, such as mouth cancer or an accident” (NHS: dental treatments). See our NHS dental implants guide.

Examples of no-deposit 0% offers: Bristol Dental Specialists and Exeter Advanced Dentistry.

Frequently asked questions

Can you get dental implants on finance in the UK?

Yes, at many clinics. 80 of the 317 clinics on our city price pages publish finance terms, and 76 of those mention a 0% or interest-free option.

How long can you spread the cost of dental implants?

It depends on the clinic and lender. Many interest-free terms we found run up to 12 months, and some clinics offer longer loans, for example 24 to 60 months at 9.9% APR at Hopkins & Poyner Dental Practice.

Is 0% dental finance really interest-free?

0% APR means no interest is charged on the amount you borrow, so the total repaid equals the treatment price financed. Read what the agreement says about missed payments before you sign.

Do you need a deposit for dental implant finance?

Some clinics ask for one. Holly Tree House Dental Practice asks for a 20% deposit and Leicestershire Dental Studio a minimum of 10%, while Bristol Dental Specialists and Exeter Advanced Dentistry advertise 0% over 12 months with no deposit.

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